Emma is struggling to pay her bills since her income has reduced

Emma’s story

Emma has not been out of work since leaving school, so losing her job came as a big shock.

Emma’s priority was to pay her mortgage and support her family, whilst trying to get another job as soon as possible.

Emma was entitled to benefits, but with the pressure of losing her job and mounting bills, she became overwhelmed with the situation.

Not wanting to worry her husband, Emma tried to manage the situation herself and stopped paying credit card and loan bills.

Emma decided she couldn’t hide from her struggling finances any longer, so she called Capquest to see how we could help.

How we helped

When Emma called us, we listened to her and didn’t judge her or make any demands of payment.

We worked with Emma to understand her financial situation in detail.

We agreed a payment plan that Emma could afford, and we also discussed a longer term plan for when she had found work again.

We advised Emma of third party companies that could also help for free.

We ensured Emma had all the details she needed to contact us in the future. We also made her aware of the online portal that she can access and use whenever she wants if he doesn’t feel like speaking to someone.

Emma was incredibly worried about contacting us, as she didn’t think there was anything we could do to help. After speaking to us, Emma felt relieved and was able to concentrate on finding a job and supporting her family.

Other ways you can get help

Entitledto can help you to understand if you are receiving all of the benefits you are entitled to. You can use their free online benefits calculator.

StepChange is a debt charity, helping almost 600,000 people a year to resolve their debt problems. They are the UK’s largest provider of free independent advice and solutions.

use our budget tool

Login or register to use our income and expenditure tool to help you work out your finances.

contact and support

You can also find support through one of the below organisations, click on the logo for further details.

†Calls are charged at the same rate as a standard landline call when dialling from a fixed line. Calls to this number are also accepted as part of inclusive call minutes from most major mobile phone operators. International calls may vary in cost. Please check with your network provider for further information.

Capquest Investments Limited is registered in England and Wales with company number 05245825. Its registered office is at Belvedere, 12 Booth Street, Manchester M2 4AW. Your account is administered by Arrow Global Limited (“AGL”) for Capquest Investments Limited ("CIL"). AGL is part of the Arrow Global Group (and has the same registered office as CIL) and is authorised and regulated by the Financial Conduct Authority for certain credit-related regulated activities. AGL is registered on the Financial Services Register under registration number 718754. AGL is registered in England and Wales with company number 05606545.

Capquest Debt Recovery Limited is registered in England and Wales with company number 03772278. Its registered office is at Belvedere, 12 Booth Street, Manchester, M2 4AW. Capquest Debt Recovery Limited is authorised and regulated by the Financial Conduct Authority for certain credit-related regulated activities, and is part of the Arrow Global Group. Capquest Debt Recovery is registered on the Financial Services Register under registration number 721513.